Which is the best credit card?

credit-cards-smallEveryone wants to know what the best credit card is, but nobody wants to hear the real answer: there is NO best credit card, only the best credit card for you. Consider:

  • If you have a balance on your credit card, the best card for you is the one with the lowest interest rate.
  • If you pay your full balance every month, the best credit card for you is a rewards credit card, BUT…
  • The best rewards card for you depends on… you. Do you want airline miles, cash back or gift cards, points toward merchandise rewards, or some other rewards scheme?

See? There is no best credit card. But we are happy to give you our ideas on the top credit card or cards in various categories, in order to help you choose which card is best for you:

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Rewards Credit Cards

credit-cards-smallWhen we talk about rewards credit cards, we are talking about any credit card that offers you something back in exchange for using it — the more you get back, the better. We also have a fondness for cards that have no annual fee. Below we have highlighted a list of popular rewards cards with a word or two about what each offers:
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Review: US Bank Credit Cards

us-bank-credit-cardUS Bank offers a wide variety of credit cards for just about any situation and credit history. Below we offer a short profile / review of the US Bank credit card lineup:

  • The U.S. Bank Visa Platinum Card is your basic credit card for those who are seeking a low interest rate and don’t care about card rewards. It offers an interest rate as low as 9.99% (though they could approve you at a rate as high as 23.99% so be careful) and you get a 0% APR on purchases and balance transfers for the first 12 months. (A 3% fee applies on balance transfers, though.)

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0% Balance Transfer Credit Cards

zero-percent2If you have a significant balance on your current credit card, it makes sense to find a new credit card that will let you transfer that balance and let it sit at a 0% interest rate while you pay it off. The credit cards below all offer a zero percent balance transfer rate for a limited period of time and have no annual fee:
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Review: Kohl’s Credit Card

kohls_logoThe Kohl’s credit card is a credit card that can be used only for purchases at a Kohl’s department store or online at kohls.com. In almost every review of a department store credit card such as this, we would tell you that the card is only worth having if you pay off your full credit card balance each month. The reason is the exorbitant interest rates that store credit cards usually have — in the case of Kohl’s, that rate is 23.99%.
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Bed Bath & Beyond Credit Card

bedbathIf you are a frequent shopper at Bed Bath & Beyond, you may have heard that there is a Bed Bath & MasterCard offered by US Bank.

In fact, here’s a whole page about it, including the fact that you can get 5 points per dollar for your purchases at Bed Bath & Beyond, buybuy Baby, and other sister stores, while getting 1 point per dollar on purchases elsewhere. Every 1000 points earned gets you a $10 Bed Bath & Beyond Reward Card.
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Saks Fifth Avenue Credit Card Payment, Login, and Customer Service Information

saks-credit-cardSaks Fifth Avenue credit cards are issued in partnership with Capital One, and it is Capital One you will deal with to make payments online or by mail, or to get help from customer service. Information on accomplishing any of these tasks is below:

  • If you have the Saks store card (NOT MasterCard,), and you’d like to pay your credit card bill online, log in here to make a payment.
  • If you have the Saks MasterCard, you should log in here to pay online.

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Zero Interest Credit Cards

zero-percentBelow is a list of credit cards that offer zero percent interest rates on new purchases AND balance transfers for at least 12 billing cycles. Note that after the zero percent period the rate changes back to the higher, “normal” rate offered by that card. Also understand that most 0% balance transfer offers include a balance transfer fee. All of these cards have no annual fee.
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Review: The Company Store Credit Card

company-store-credit-cardBedding and bath retailer The Company Store, in partnership with Comenity Bank, offers a credit card that allows you to earn reward points toward future Company Store purchases. But watch that interest rate! Below you’ll find our complete overview / review of The Company Store credit card:

The first thing to know about The Company Store credit card is that it is only accepted at The Company Store, nowhere else. This limited acceptance is a strike against it — do you really want to open a new credit line just to buy on credit at a single retailer? Do you buy from The Company Store often enough for a store-specific card to make sense? In most cases, we would guess the answer is “no” to both those questions.
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Gasoline Credit Cards

chevron-texaco-credit-cardWhen the price of gas spikes, people look for ways to ease the pain — and gas credit cards are one answer. Some gas credit cards give you discounts on your gas purchases, while others offer you greater rewards when you buy gas, making the price a bit easier to swallow. Some gasoline cards are tied to a specific gas station chain, while others offer rebates across the board on gas purchases. Check out the credit cards below to see which gas credit card fits your needs and spending patterns:
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Review: Best Buy Credit Card

best-buy-credit-cardBest Buy, in partnership with Citibank, offers 4 different credit cards, but only one way to apply for them.

What does that mean? It means that when you apply for a Best Buy credit card, you will first be considered for the My Best Buy MasterCard that is for customers with good credit histories. If you don’t qualify for the MasterCard, you will then be considered for one of the other Best Buy credit cards.
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Cabela’s Credit Card Payment, Login, and Customer Service Information

cabelas-credit-cardThe Cabela’s credit card is issued by World’s Foremost Bank, a bank that actually only exists to service Cabela’s credit card customers. Anyway, you will be interacting with World’s Foremost Bank if you want to pay your Cabela’s credit card online or by mail, or to reach customer service for help. All the info you’ll need is below:

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Discount Tire Credit Card Payment, Login, and Customer Service Information

discount-tire-credit-cardThe Discount Tire credit card is issued in partnership with GE Capital Retail Bank, and it is GE Capital you will interact with in order to pay your bill online or by mail, or to get customer service information. Below you’ll find all of the information you need to complete any of these tasks:

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Instant Approval Credit Cards

yesterday2Instant approval credit cards can mean one of two things:

  • You get approved today but don’t get the card until later.
  • You get approved today and can instantly begin using your new credit line.

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